Definition
A complete record showing how the property has changed hands over time, with all previous owners and transactions documented. It establishes the current seller has legitimate ownership.
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The chain of title is a chronological record of all property transfers and is essential for proving ownership rights. A complete chain of title establishes that the current seller received the property through a valid chain of transfers from previous owners. Gaps or breaks in the chain of title can create title defects that must be resolved. The title company examines the chain of title during the title search to ensure continuity and validity.
Pro Tip
Understanding chain of title helps you verify the seller's ownership rights.
Example
The chain of title showed transfers from 1985, 1998, 2010, and now 2024, confirming continuous ownership.